Our insurance advisors consult with you to create an insurance package that protects what matters most to you. As independent agents we are ablet o bring you more choice and unbiased advice. Our network of personl insurance agents are in your communities and value the kind of client relationship, service, and consultative approach that is important to you.
You need car insurance...it's the law. It's also smart. Protect yourself and others by getting adequate coverage on all your vehicles. Ask one of our agents to help you understand how you can protect your family's financial stability by selecting the right amount of liability coverage, uninsured and underinsured motorist coverage, medical expenses coverage, and personal injury protection.
You have to drive, but that doesn't mean you have to pay a lot to do it. Ask about good student and good driver discounts as well as discounts for multiple vehicles insured. If your car has airbags, anti-theft devices, and/or automatic seat-belts, you could qualify for additional discounts. If an accident does occur, get back on the road fast with towing coverage and rental car reimbursement. Contact your agency today to "tune-up" your policy.
It's your home, your castle, your sanctuary...it also holds all the things you value and have worked so hard to acquire. Take into consideration a few things when it comes to keeping your home safe. Since every situation is different, discuss what options are available with your agent. Most homeowners policies cover fire and smoke damage, personal belongings, theft, liability, and other risks.
There may be important coverages that you need to add because they are not on a standard policy, such as flood, earthquake, and high value belongings. Make your life simple by combining your home and auto to receive a multi-policy discount. You can also qualify for discounts by installing anti-theft devices, fire extinguishers, dead bolt locks, smoke detectors, fire alarms, and sprinkler systems. Call your agent for a review of your sanctuary, and we'll help keep it safe and sound.
Accidents happen, but your insurance will cover it, right? Not always. For example, what if you have an auto accident and are required to pay $700,000, but your insurance policy only covers $250,000? Without an umbrella, you'll be liable for the remaining $450,000.
Umbrella policies provide additional insurance that takes over when a claim uses up all of the homeowners or auto insurance. They can even cover some losses that home and auto insurance do not cover. They provide insurance amounts as low as $1,000,000 and may provide $5,000,000 or more. Umbrella polices are more affordable than you may think and work easily with your existing home and auto policies.
Your basic homeowners insurance policy does not protect you against damage from earthquakes and floods. Whether you are in a high-risk area or moderate-to-low risk area, you should consider adding earthquake and flood insurance to your policy. More than half of all flood claims occur in areas considered to have low flood exposure. And each year there are around 5,000 earthquakes in the United States. Don't wait until it's too late – ask us about flood and earthquake insurance and start protecting your home today.
Toys are specialized vehicles that require more than just your basic auto policy for coverage. In fact, it is critical that you review each recreational vehicle with your agent because they often carry additional risk and may need a separate policy. Talk to one of our agents on how you can best protect your boat, ATVs, or other recreational vehicles.
Protect your most valuable belongings by scheduling them on your policy. Scheduled personal property coverage protects items whose value or risk potential exceeds the coverage available under your homeowners policy. Personal property to review for this coverage include jewelry, furs, cameras, projection equipment, musical instruments, expensive silverware, china, crystal, sporting equipment, fine arts, rare coins, postage stamps, guns, computer equipment and more.
Identity theft is one of the fastest growing white-collar crimes in the country. As many as 10 million Americans per year are victims. Identity theft coverage provides financial relief from expenses you may incur as a direct result of identity theft. This coverage saves you money by providing you with the professional assistance necessary to recover your identity.
Electronic fund transfer makes your payments hassle free. Save time and money by setting up automatic payments from your checking, savings, or credit card account.